Saab 9-5 Insurance Rates
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UPDATED: Jun 2, 2023
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U.S. average insurance rates for a Saab 9-5 are $1,004 a year for full coverage. Comprehensive insurance costs around $172, collision costs $232, and liability insurance costs around $442. Liability-only coverage costs as low as $496 a year, with high-risk coverage costing $2,158 or more. 16-year-old drivers pay the highest rates at $4,012 a year or more.
Average premium for full coverage: $1,004
Price estimates for individual coverage:
Prices include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for all 9-5 models.
Price Range from Low to High
Using a 40-year-old driver as an example, Saab 9-5 insurance prices go from the low end price of $496 for minimum levels of liability insurance to the much higher price of $2,158 for a high-risk driver policy.
Geographic Price Range
Where you live has a significant impact on auto insurance rates. Areas with sparse population have lower incidents of accident claims than congested cities.
The example below illustrates how rural and urban location affects auto insurance rates.
The ranges above show why everyone should compare prices for a specific zip code, rather than relying on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below shows estimated Saab 9-5 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $609
- Using higher $1,000 deductibles will save about $92 a year
- The estimated price for the average middle-age driver using $500 deductibles is $1,004
- Buying pricier low deductibles for physical damage coverage will cost an additional $174 a year
- Drivers with multiple tickets or accidents could pay at least $2,158 or more
- The price that insures a teen driver for full coverage can be $4,012 or more
Auto insurance prices for a Saab 9-5 are also quite variable based on the model of your 9-5, how you drive, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you could be paying at least $1,200 to $1,700 in extra premium each year, depending on your age. Saab 9-5 insurance for high-risk drivers can be anywhere from 42% to 133% more than the average rate. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,000 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay as much as $4,000 a year. View Rates by Age
The state you live in has a huge impact on Saab 9-5 insurance rates. A driver around age 40 might see prices as low as $660 a year in states like Idaho, Maine, and Iowa, or at least $1,440 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $908 | -$96 | -9.6% |
| Alaska | $772 | -$232 | -23.1% |
| Arizona | $836 | -$168 | -16.7% |
| Arkansas | $1,004 | -$0 | 0.0% |
| California | $1,146 | $142 | 14.1% |
| Colorado | $960 | -$44 | -4.4% |
| Connecticut | $1,034 | $30 | 3.0% |
| Delaware | $1,138 | $134 | 13.3% |
| Florida | $1,258 | $254 | 25.3% |
| Georgia | $928 | -$76 | -7.6% |
| Hawaii | $724 | -$280 | -27.9% |
| Idaho | $680 | -$324 | -32.3% |
| Illinois | $750 | -$254 | -25.3% |
| Indiana | $758 | -$246 | -24.5% |
| Iowa | $678 | -$326 | -32.5% |
| Kansas | $956 | -$48 | -4.8% |
| Kentucky | $1,372 | $368 | 36.7% |
| Louisiana | $1,488 | $484 | 48.2% |
| Maine | $620 | -$384 | -38.2% |
| Maryland | $830 | -$174 | -17.3% |
| Massachusetts | $806 | -$198 | -19.7% |
| Michigan | $1,746 | $742 | 73.9% |
| Minnesota | $840 | -$164 | -16.3% |
| Mississippi | $1,204 | $200 | 19.9% |
| Missouri | $890 | -$114 | -11.4% |
| Montana | $1,080 | $76 | 7.6% |
| Nebraska | $794 | -$210 | -20.9% |
| Nevada | $1,206 | $202 | 20.1% |
| New Hampshire | $724 | -$280 | -27.9% |
| New Jersey | $1,124 | $120 | 12.0% |
| New Mexico | $890 | -$114 | -11.4% |
| New York | $1,060 | $56 | 5.6% |
| North Carolina | $578 | -$426 | -42.4% |
| North Dakota | $822 | -$182 | -18.1% |
| Ohio | $694 | -$310 | -30.9% |
| Oklahoma | $1,034 | $30 | 3.0% |
| Oregon | $922 | -$82 | -8.2% |
| Pennsylvania | $960 | -$44 | -4.4% |
| Rhode Island | $1,340 | $336 | 33.5% |
| South Carolina | $910 | -$94 | -9.4% |
| South Dakota | $848 | -$156 | -15.5% |
| Tennessee | $882 | -$122 | -12.2% |
| Texas | $1,210 | $206 | 20.5% |
| Utah | $744 | -$260 | -25.9% |
| Vermont | $690 | -$314 | -31.3% |
| Virginia | $602 | -$402 | -40.0% |
| Washington | $778 | -$226 | -22.5% |
| West Virginia | $922 | -$82 | -8.2% |
| Wisconsin | $696 | -$308 | -30.7% |
| Wyoming | $896 | -$108 | -10.8% |
Opting for high physical damage deductibles could cut prices by as much as $270 each year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to know your exact price is to regularly compare prices from as many companies as possible. Each insurance company utilizes a different rate formula, and quoted prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2006 Saab 9-5 | $194 | $258 | $452 | $1,062 |
| 2004 Saab 9-5 | $172 | $232 | $442 | $1,004 |
Rates are averaged for all Saab 9-5 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Right Saab 9-5 Insurance
Getting lower rates on Saab 9-5 insurance requires being a good driver, maintaining a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Comparison shop every time your policy renews by requesting quotes from direct carriers, and also from several local insurance agents.
The following list is a quick rundown of the information raised in the charts and tables above.
- Drivers can save up to $110 per year simply by quoting online well ahead of the renewal date
- Drivers age 16 to 20 are expensive to insure, with premiums as much as $334 a month if the policy includes full coverage
- Increasing physical damage deductibles can save approximately $275 each year
- High-risk drivers with reckless driving or DUI convictions pay on average $1,150 more every year than a safer driver
- Drivers who may need an increased level of liability coverage will pay around $490 each year to increase from a low limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,012 |
| 20 | $2,298 |
| 30 | $1,026 |
| 40 | $1,004 |
| 50 | $924 |
| 60 | $904 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,178 |
| $250 | $1,098 |
| $500 | $1,004 |
| $1,000 | $912 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,004 |
| 50/100 | $1,092 |
| 100/300 | $1,203 |
| 250/500 | $1,490 |
| 100 CSL | $1,137 |
| 300 CSL | $1,380 |
| 500 CSL | $1,557 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,652 |
| 20 | $3,658 |
| 30 | $2,178 |
| 40 | $2,158 |
| 50 | $2,064 |
| 60 | $2,044 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $51 |
| Multi-vehicle | $53 |
| Homeowner | $17 |
| 5-yr Accident Free | $62 |
| 5-yr Claim Free | $63 |
| Paid in Full/EFT | $37 |
| Advance Quote | $44 |
| Online Quote | $68 |
| Total Discounts | $395 |
Discounts are estimated and may not be available from every company or in every state.
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